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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Silver Falls, St. Augustine — a new construction home in St. Johns County.

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Sold

Sold·Closed Apr 15, 2025·5 days on market·Recent sales in Silver Falls·Silver Falls

92 Pentwater Road

St. Augustine, FL 32092

$469,485sold priceListed at $469,485 · 100% of asking$221/sqftMLS# 2071856
4
Beds
2
Baths
2,124
Sq Ft
2025
Built
2
Garage
No
Pool

42 more homes for sale in Silver Falls →Search Silver Falls on the map

HOA $142/mo6,098 sqft lotSingle Family Residence1 storyNew construction

About this home

Silver Falls

Ready in April 2025!!! Lennar Homes Charle floor plan: 4 beds, 2 baths, Flex Space and 2 car garage. Everything's Included® features: White Cabs w/white Quartz kitchen tops, 42'' cabinets, Stainless steel appliances: range, dishwasher, microwave, and refrigerator, ceramic wood plank tile in wet areas and extended into family/dining/halls, Quartz vanities, window blinds throughout, screened lanai and sprinkler system. 1 year builder warranty, dedicated customer service program and 24-hour emergency service.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$2,600
Property taxesest. at asking price, St. Johns County$625
HOAbilled annually$142
Estimated total, before insurance$3,367/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$878/yr · $73/mo
  • • Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
  • • In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
  • • Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be (that applies to the reference bill above too).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$469,485
$93,897
Loan Term
Monthly Payment
$2,600
Principal & Interest: $2,600
Property taxes (est.): $625
Insurance (est.): $313
Estimated Total Monthly
$3,538
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 2025)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

This Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.

Cost to own

Taxes & assessment

Last sold: $2,244,600 in October 2023(county public record, not MLS data)

YearMarket valueTaxable valueChange
2024$70,000$70,000—

2024 property taxes (current owner): $878/yr

Estimated taxes if purchased at asking price: ~$7,500/yr

Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Estimate uses the median effective rate across 1,595 current St. Johns listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll (2024), NEFMLS.

History

Price & status history

  • Feb 22, 2025Listed$469,485

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $249/sq ft; this home is listed at $221/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
63 Walloon Cove, St. Augustine, FL 32092Listed by LENNAR REALTY INCSep 2026$442,490$2364/2.51,87510.1
45 Walloon Cove, St. Augustine, FL 32092Listed by LENNAR REALTY INCSep 2026$426,490$2493/2.51,7141350.1
66 Hasler Avenue, St. Augustine, FL 32092Listed by LENNAR REALTY INCOct 2026$487,990$2573/21,897860.2
42 Hasler Avenue, St. Augustine, FL 32092Listed by LENNAR REALTY INCSep 2026$499,990$2214/3.52,263150.2
85 Stiffs Mill Lane, St. Augustine, FL 32092Listed by LENNAR REALTY INCSep 2026$478,990$2523/21,89710.3
101 Stiffs Mill Lane, St. Augustine, FL 32092Listed by LENNAR REALTY INCSep 2026$492,990$2184/3.52,263350.3

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$469,485
Price / Sq Ft$221
Bedrooms4
Bathrooms2.00
Full Baths2
Square Footage2,124
Acres0.14 acres
Year Built2025
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch, Traditional
Property ConditionUnder Construction
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo
New ConstructionYes

Community Information

Address92 Pentwater Road, St. Augustine, FL 32092
Area305-World Golf Village Area-Central
SubdivisionSilver Falls
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32092
Lot Size6,098.4 sq ft
Parcel Number0269412450

Amenities

AmenitiesPool, Clubhouse, Playground, Tennis Court(s), Trash
UtilitiesCable Available, Natural Gas Available, Natural Gas Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
Green / EnergyWindows
ParkingAttached, Garage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Entrance Foyer, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Gas Cooktop, Gas Oven, Gas Range, Gas Water Heater, Ice Maker, Microwave, Refrigerator
HeatingCentral, Electric, Heat Pump
CoolingCentral Air, Electric
FlooringCarpet, Tile
# of Stories1
LevelsOne
LaundryGas Dryer Hookup, Washer Hookup
SecuritySmoke Detector(s)

Exterior

Lot DescriptionSprinklers In Front, Sprinklers In Rear
Patio / PorchFront Porch, Patio, Screened
RoofShingle
ConstructionFiber Cement, Frame
Road SurfaceAsphalt

Additional Information

Date ListedFebruary 22, 2025
Days on Market5
HOA Fees$1,700 / Annually
HOA FrequencyAnnually
HOA NameSilverLeaf Master
Tax Amount$877.91
Tax Year2024
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionYes

Listing Courtesy of: LENNAR REALTY INC

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

The neighborhood

About Silver Falls

Silver Falls is a neighborhood in SilverLeaf, FL (St. Johns County), ZIP 32092.

View all Silver Falls homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Apr 15, 2025. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

Text Krista about this saleHomes for sale nearby →

20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

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